The Ultimate Back To School Savings Guide : The Saturday Weekend Review #187

BACK TO SCHOOL SAVINGS GUIDE

GET YOUR BACK TO SCHOOL BUDGET READY BECAUSE STORE SHELVES ARE STOCKED AND WAITING FOR YOU!   The back to school promotion campaign for your hard-earned money is on as just about every store in Canada is ready for their biggest sales event during the month of August. I’ve been in and out of the education system over the years and with this experience I’ve come up with some frugal ways to keep back to school expenses low. Just a fair warning but a beverage is essential when reading this post because it’s longer than normal. For those of you who want to stick to a limited school budget it’s worth the read especially for those heading back to class or have kiddos they need to get ready for back to school. Back to School Tip #1 Don’t get a credit card! You don’t need one especially if you’ve worked your butt off all summer and saved your money. All a credit card will do is create debt for you which you don’t need especially if you have student loans to pay back. Stick to personal financial safety and walk away from the credit card. By now you should already […]

grocery game monthly challenge

30 Must-Have Student Food Pantry Staples : The Grocery Game Challenge 2016 #1 Aug 1-7

30 food products to stock in your frugal student pantry(1)

Create your own student cookbook: University and College Cooking 101   You may or may not be a student but if your child is off to College or University don’t pass on the opportunity for them to spend 10 minutes reading this post about cooking and living independently away from the family home. I’ve been a student in University twice in my life and both times I made sure to have a stocked food pantry to stop me from eating out which is a HUGE waste of money for any student. It’s one thing to be social and another to be lazy in the kitchen if you are able to cook at home. I had many friends who considered themselves the starving student only because most of their student budget went to booze, partying and eating fast food. That’s a sure-fire way to starve your budget and your tummy of nutritious food. What I’ve learned throughout my frugal student years in the kitchen may serve as a handy reminder that you CAN eat decent meals at home and kick the fast-food habits many students take on when they move away for school. First off you need a student budget and […]

How To Save Money Buying Fresh Flowers

THE POWER OF FLOWERS IS PRICELESS 3(1)

The Power Of Flowers Is Priceless   From roses and tulips to orchid’s and pansies, flowers have a powerful way of brightening someone’s day. Whether you are celebrating an anniversary, a birthday or you just simply want to make someone smile, the beauty and fragrance concealed in a single flower can easily turn a bad day into a better one. As with many gifts, unless you are pulling flowers from your garden, gifting flowers to someone will cost you some money. How much money you will spend…that is your choice.   Flowers ARE for everyone   As we all know, Valentine’s Day is the biggest sales day of the year for most florists. Showing others that you care does not need to be limited to your significant other or to only one day a year. Flowers are often sent to family and friends who are grieving the loss of someone, a way of saying congratulations or simply just to make someone feel better. Another massive event is a wedding and just about every wedding has flowers so it’s important to do your homework when searching for the perfect flowers to showcase and for your wedding bouquet and bridesmaid bouquet. Related: […]

How To Spot A Money Smart Woman

how to spot a money smart woman

FINANCIALLY SMART WOMEN FINISH RICH AND IT’S NOT ALL ABOUT MONEY   We can add the value “financially stable” or money smart to the list of traits that men are looking for in a woman while in the midst of romancing a relationship. In the past I’ve blogged about finding a frugal man but today I want to focus on men finding a woman who is of the same financial mindset. It may seem like the bottom of the barrel for most of you but for those men who value money the last thing they want is a partner to blow it all away. This is where it’s important to be compatible in terms of wants, needs and desires and why it’s so important to communicate. It doesn’t matter if you are a stay at home mom, stay at home wife or a career woman the money becomes one when you tie the knot. This is why some men are cautious about who they choose to date and for good reason. If a man finds his woman is spending too much money leaving them stuck to pay the bills or unable to save for retirement or to do things with […]

Stay at home new mom causing financial strain and marital upset

new mom stay at home mom(1)

LIFE CHANGES WHEN THE STICK IS POSITIVE   So many people get divorced after having kids and now I know why, parenting is not easy but 110% worth the effort. I don’t think there is anything that could prepare you for becoming a parent, not even having lots of siblings. When we found out we were having a baby we knew that our lives were going to change, including our finances. My wife also knew that she was going to be a stay-at-home new mom and feared not knowing other moms to hang out with. Over the past year she has met plenty of other moms on social media, at the park and other community events. She says it’s getting easier but she does miss getting out whenever she is inside for a few days at a time with our son. These days we tend to do lots together as a family which helps our relationship to grow and our son build a bond with the two of us. Mrs.CBB is a people person so it’s important for her to get out of the house to keep her spirits up even though our son is the light of her life. […]

Single Man Wants To Know Where To Find Frugal Sexy Women

FRUGAL SEXY WOMEN

A CHANCE MEETING STARTS WITH HELLO   For some people love is more than what you feel in the heart, it’s also about how well you deal with money. Men today just like women are looking for someone who will complement their passion for frugal living. Let’s not forget though that a healthy relationship takes more than just money. That means money is only one part of the relationship pie. Back in 2012 I wrote a post asking whether frugal men were sexy and ever since then I’ve noticed quite a few visits to the blog where men were seeking advice about women. Yes there are men who want to date women who give some thought to their financial future. It’s funny how easy it is to generalize one gender over the other but there are no comparisons as we are both equal. The problem is that most men and women don’t know where to start when looking for love as they age. The older we get the harder dating seems to be especially if a career and family comes first. In our younger years we would go to the clubs dancing every weekend enjoying the night life but that […]

Couple Cancelled Wedding and Used $3000 Stag Party Cash For Debt

stag party

EVERY GOOD PARTY HAS AN ENDING   Unfortunately for this guy his stag party ended with excitement but his wedding never brought him to the alter. Every year couples get married but before the big day they may hold a party to raise money for the wedding. Some people are against being asked to participate in funding a wedding by attending a Stag Party (for men), Hen Party (for women) or a party for everyone also known as a Stag and Doe or Jack and Jill. There are no shortage of names for these kinds of money-raising events which consist of lots of drinking and plenty of fun games. That’s only the first stage because there may also be a wedding shower, Bachelor Party, Bachlorette Party and so on mainly orchestrated by the wedding party, family or friends. Some pre-wedding events are merely just getting out for the last time as a single male or female and partying with your friends. Personally I didn’t go out with my mates or have a Stag Party. My wife and I were pretty low-key about our wedding and saved the money ourselves, although it was a frugal wedding to begin with. A Stag […]

Husband is hoarding money and jeopardizing relationship

money hoarding

DEBT SCARES MAN TO THE BANK   Believe it or not there are people who have money hoarding tendencies because a fear of living without cash can push people over the edge. Just because someone is in debt doesn’t mean they are OK with it even though some people think that having consumer debt is normal. Some people get very ill thinking about their debt and it can cause great stress in their life mostly affecting their health, job and relationships/family. What else could money possibly affect? It’s hard to find a middle ground sometimes when money becomes the reason for living. I’m not saying money is NOT important because it is but for those who scare themselves off a cliff it’s serious business. Having millions of dollars in the bank when retirement comes around would be great but you don’t have to live like a miser to get you there. Even though compulsive hoarding is defined as hanging on to stuff that others may view as junk hoarding money is another way of stashing cash which someone is too afraid to spend unless they are forced to. ie: Paying the bills to live . Maybe hoarding might not be […]

Why a healthy relationship takes more than just money

Mansion Healthy Relationship(1)

LOVE IS THE KEY TO HAPPINESS   A healthy relationship based on true love takes work, mistakes and lots of glue to keep it together no matter how wealthy a couple is. The misconception that couple’s who live a stress free, debt-free money induced lifestyle must be happy is so far gone it’s a shame that people put so much weight on money and love. Hollywood is a classic example of how being rich isn’t everything, pre-nups are. Every month some A-lister or ‘successful someone’ is getting divorced and guess what… they have money. I know people who feel they are not good enough for love because they aren’t rich, don’t have successful careers or fit the role of supermodel. Forget all that crap, would you. It’s one thing to lead a motivated life but it’s another to focus so much on what you do want that you may miss opportunities. Sure, you don’t have to settle because finding the ideal partner is important but don’t let a list of “must-have’s” consume you unless you don’t mind being single forever or in a relationship based on what you believe is a healthy relationship. Have you heard this before? It must […]

How to prevent financial secrets in a relationship

how to prevent financial secrets in a relationship(1)

TOGETHER MEANS TWO   Unfortunately if you are married debt is a family affair and if there are any financial secrets hiding in your closet you still may be on the hook for them. “My spouse secretly racked up credit card debt.” How many times have we heard that scenario, over and over again? A guy I know went through this relationship changing scenario with his now ex-wife. He got married shortly after University to the woman of his dreams. She was a happy, smart woman whom he had lots of fun with and they connected well, they were in love. On the outside it seemed like she had her stuff together. I met her a few times and she was always pleasant. Over the years they bought a house and worked their way up the corporate ladder. It was in 2012 when his wife lost her job due to downsizing that everything went downhill for them, and fast. She struggled to find a new job in her field of work that year but as far as he knew she was still looking for work. They had less and less money to keep their huge house running so they had […]

Parents ask son to save money after they were homeless and poor

ave money student on laptop

SAVING MONEY IS YOUR CHOICE   If you want to save money then don’t wait until things come crashing down and you need that money, do it now! Being homeless and poor is not something to take lightly because it happens all around us. For those who have survived and experienced this life many go on to motivate others how NOT to land themselves on the streets. Today’s fan question shares some deep secrets about the time his parents found themselves living on the streets with no savings and nowhere to go. It’s either the parents writing to me or their children because for one reason or another money is a big problem. It doesn’t matter whether you are a student or have a high-profile job if you don’t know where your money is going it’s your own fault when you don’t have anything at the end to show for it all. I’m not talking “stuff” either. I’m talking about cash and investments. If you earn money you should have some sort of system to save money and budget or in the least know your expenses and track them.   Life Choices   It seems from my experience with fan […]